超強美金儲蓄險現身!中國人壽美晶外幣利率變動型終身壽險

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建議書由保經業務員提供

若需介紹,可以至儲蓄保險王粉絲團私訊

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看完建議書,再看高保額折扣

4.5萬≦保額<22萬 折扣0.3%

(保費4.3萬美金~130萬台幣)

22萬≦保額 折扣0.5%

(保費21萬美金~630萬台幣)

0~85歲單一費率

以上建議書享有最高的0.5%折扣

點讚加入儲蓄保險王粉絲團  

點此加入Line:@wvr5039s

廢話不說,直接來看美晶的報酬率:

FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s FB: 儲蓄保險王.正義真話侠
宣告 表定保費 212960 折扣 解約金
年增加率
Line: @wvr5039s 相對利差
美晶勝出
3.87% 實繳保費 211895 0.5% 定存利率 1.32%
解約金 IRR 總報酬率 本利和 總報酬率
1 200350 -5.45% -5.45%   214692 1.32%  
2 213684 0.42% 0.84%   217526 2.66%  
3 224528 1.95% 5.96%   220397 4.01% 48.58%
4 235357 2.66% 11.07% 4.82% 223307 5.39% 105.60%
5 244576 2.91% 15.42% 3.92% 226254 6.78% 127.59%
6 256446 3.23% 21.02% 4.85% 229241 8.19% 156.84%
7 266495 3.33% 25.77% 3.92% 232267 9.61% 168.02%
8 276907 3.40% 30.68% 3.91% 235333 11.06% 177.38%
9 287719 3.46% 35.78% 3.90% 238439 12.53% 185.65%
10 298975 3.50% 41.10% 3.91% 241587 14.01% 193.28%
11 310661 3.54% 46.61% 3.91% 244776 15.52% 200.38%
12 322794 3.57% 52.34% 3.91% 248007 17.04% 207.10%
13 335388 3.60% 58.28% 3.90% 251280 18.59% 213.55%
14 348488 3.62% 64.46% 3.91% 254597 20.15% 219.87%
15 362114 3.64% 70.89% 3.91% 257958 21.74% 226.12%
16 376254 3.65% 77.57% 3.90% 261363 23.35% 232.25%
17 390957 3.67% 84.50% 3.91% 264813 24.97% 238.38%
18 406242 3.68% 91.72% 3.91% 268308 26.62% 244.51%
19 422130 3.69% 99.22% 3.91% 271850 28.29% 250.65%
20 438610 3.70% 106.99% 3.90% 275439 29.99% 256.79%

短短2年就保本

3年IRR 1.95%勝定存

之後解約金年增加率

=3.9%~4.85%

6年IRR=3.23%

相對利差157%

也就是定存的2.57倍

10年IRR=3.5%

11年IRR=3.54%

相對利差200%

也就是定存的3倍

20年IRR=3.7%

總報酬率107%,本金翻倍

相對利差257%

也就是定存的3.57倍

 

以下僅修改折扣為0.3%:

FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s FB: 儲蓄保險王.正義真話侠
宣告 表定保費 212960 折扣 解約金
增加率
Line: @wvr5039s 相對利差
美晶勝出
3.87% 實繳保費 212321 0.3% 定存利率 1.32%
解約金 IRR 總報酬率 本利和 總報酬率
1 200350 -5.64% -5.64%   215124 1.32%  
2 213684 0.32% 0.64%   217963 2.66%  
3 224528 1.88% 5.75%   220841 4.01% 43.28%
4 235357 2.61% 10.85% 4.82% 223756 5.39% 101.46%
5 244576 2.87% 15.19% 3.92% 226709 6.78% 124.18%
6 256446 3.20% 20.78% 4.85% 229702 8.19% 153.87%
7 266495 3.30% 25.52% 3.92% 232734 9.61% 165.39%
8 276907 3.38% 30.42% 3.91% 235806 11.06% 175.01%
9 287719 3.43% 35.51% 3.90% 238919 12.53% 183.48%
10 298975 3.48% 40.81% 3.91% 242072 14.01% 191.26%
11 310661 3.52% 46.32% 3.91% 245268 15.52% 198.48%
12 322794 3.55% 52.03% 3.91% 248505 17.04% 205.31%
13 335388 3.58% 57.96% 3.90% 251785 18.59% 211.84%
14 348488 3.60% 64.13% 3.91% 255109 20.15% 218.24%
15 362114 3.62% 70.55% 3.91% 258476 21.74% 224.54%
16 376254 3.64% 77.21% 3.90% 261888 23.35% 230.73%
17 390957 3.66% 84.13% 3.91% 265345 24.97% 236.90%
18 406242 3.67% 91.33% 3.91% 268848 26.62% 243.06%
19 422130 3.68% 98.82% 3.91% 272397 28.29% 249.24%
20 438610 3.69% 106.58% 3.90% 275992 29.99% 255.40%

以下修改折扣為0%:

FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s FB: 儲蓄保險王.正義真話侠
宣告 表定保費 212960 折扣 解約金
增加率
Line: @wvr5039s 相對利差
美晶勝出
3.87% 實繳保費 212960 0.0% 定存利率 1.32%
解約金 IRR 總報酬率 本利和 總報酬率
1 200350 -5.92% -5.92%   215771 1.32%  
2 213684 0.17% 0.34%   218619 2.66%  
3 224528 1.78% 5.43%   221505 4.01% 35.38%
4 235357 2.53% 10.52% 4.82% 224429 5.39% 95.28%
5 244576 2.81% 14.85% 3.92% 227391 6.78% 119.08%
6 256446 3.15% 20.42% 4.85% 230393 8.19% 149.45%
7 266495 3.26% 25.14% 3.92% 233434 9.61% 161.48%
8 276907 3.34% 30.03% 3.91% 236515 11.06% 171.47%
9 287719 3.40% 35.10% 3.90% 239637 12.53% 180.23%
10 298975 3.45% 40.39% 3.91% 242801 14.01% 188.25%
11 310661 3.49% 45.88% 3.91% 246006 15.52% 195.65%
12 322794 3.53% 51.57% 3.91% 249253 17.04% 202.63%
13 335388 3.56% 57.49% 3.90% 252543 18.59% 209.29%
14 348488 3.58% 63.64% 3.91% 255877 20.15% 215.79%
15 362114 3.60% 70.04% 3.91% 259254 21.74% 222.19%
16 376254 3.62% 76.68% 3.90% 262676 23.35% 228.45%
17 390957 3.64% 83.58% 3.91% 266144 24.97% 234.68%
18 406242 3.65% 90.76% 3.91% 269657 26.62% 240.90%
19 422130 3.67% 98.22% 3.91% 273216 28.29% 247.13%
20 438610 3.68% 105.96% 3.90% 276823 29.99% 253.34%

  

不同折扣IRR統整:

FB:儲蓄保險王.正義真話侠   Line: @wvr5039s
折扣: 0.5% 0.3% 0.0%
IRR IRR IRR
1 -5.45% -5.64% -5.92%
2 0.42% 0.32% 0.17%
3 1.95% 1.88% 1.78%
4 2.66% 2.61% 2.53%
5 2.91% 2.87% 2.81%
6 3.23% 3.20% 3.15%
7 3.33% 3.30% 3.26%
8 3.40% 3.38% 3.34%
9 3.46% 3.43% 3.40%
10 3.50% 3.48% 3.45%
11 3.54% 3.52% 3.49%
12 3.57% 3.55% 3.53%
13 3.60% 3.58% 3.56%
14 3.62% 3.60% 3.58%
15 3.64% 3.62% 3.60%
16 3.65% 3.64% 3.62%
17 3.67% 3.66% 3.64%
18 3.68% 3.67% 3.65%
19 3.69% 3.68% 3.67%
20 3.70% 3.69% 3.68%

相關連結:

儲蓄保險王Line: @wvr5039s

@wvr5039s

https://db.tt/SQiRWquT

 

 

 

 

050205_468x60_00_達康保險

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